WO2002097747A1 - Electronic payment terminal, smart card adapted to such a terminal et method for loading a secret key in such a terminal - Google Patents

Electronic payment terminal, smart card adapted to such a terminal et method for loading a secret key in such a terminal Download PDF

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Publication number
WO2002097747A1
WO2002097747A1 PCT/FR2002/001766 FR0201766W WO02097747A1 WO 2002097747 A1 WO2002097747 A1 WO 2002097747A1 FR 0201766 W FR0201766 W FR 0201766W WO 02097747 A1 WO02097747 A1 WO 02097747A1
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WO
WIPO (PCT)
Prior art keywords
microprocessor
terminal
secret key
microcontroller
key
Prior art date
Application number
PCT/FR2002/001766
Other languages
French (fr)
Inventor
Dominique Quesselaire
Original Assignee
Schlumberger Systemes
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Schlumberger Systemes filed Critical Schlumberger Systemes
Priority to US10/479,647 priority Critical patent/US7971788B2/en
Priority to DE60214539T priority patent/DE60214539T2/en
Priority to CA002448301A priority patent/CA2448301C/en
Priority to EP02740813A priority patent/EP1390921B1/en
Publication of WO2002097747A1 publication Critical patent/WO2002097747A1/en
Priority to ZA2003/09305A priority patent/ZA200309305B/en
Priority to US13/071,672 priority patent/US8690060B2/en

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Definitions

  • the present invention relates to an electronic card reader payment device also called a payment terminal, it also relates to a smart card intended to be integrated in the electronic circuit equipping said terminal.
  • the present invention also relates to a method for downloading confidential data in such a terminal.
  • payment card reader payment terminals which mainly have in common having an electronic circuit managing the operation of the device which is formed by a printed circuit board on which many electronic components are soldered and including microcontrollers.
  • a payment device for bank card readers consists of a generally portable terminal, wired or wireless, operating alone or with a base.
  • the functions allocated to the base and the terminal respectively may vary from one embodiment to another.
  • the base is generally connected to a payment center by the switched telephone network and transmits, in response to messages received from the terminal, messages intended for bank servers.
  • the base also serves as a recharging terminal to supply 1 [electric accumulator fitted to the terminal.
  • the database can be used to print transaction tickets.
  • the portable terminal therefore comprises, at least one payment card reader, a data entry keyboard, a display screen, a power supply in the form in particular of a rechargeable battery and an electronic control circuit in the form of '' a printed circuit board including a microcontroller main with a microprocessor and different input-output interfaces.
  • This main microcontroller is more particularly responsible for operating the terminal and in particular the various peripherals.
  • SAM cards used in payment terminals is today dedicated to the execution of specific tasks such as identification operations, password verification, management of electronic wallet financial application putting implement algorithms and confidential data that the owner management organizations do not wish to disseminate and therefore incorporate directly into the electronic circuit of the terminal.
  • SAM cards implemented by portable terminals such as payment terminals or mobile phones therefore contain confidential information and are issued by operators (banking, etc.) to perfectly identified users (merchants, etc.) at instructs the latter to introduce them into the terminals in order to be able to execute on these devices specific applications such as the debit / credit of an electronic purse.
  • the terminal equipped with SAM card readers simply considers SAM cards as peripherals and the the terminal's microcontroller is configured to dialogue with the latter according to predetermined protocols and to accomplish predefined tasks which are generally limited to transferring data and or orders between these smart cards and the payment card.
  • the present invention proposes to use the infrastructure of terminals equipped with SAM card reader (s) to modify the design of the electronic circuit of the terminals.
  • the tasks normally performed by a single microprocessor equipping the terminal are distributed over several microprocessors operating in parallel, at least one of these microprocessors being integrated into a support corresponding to the format of SAM cards, that is to say to the GSM standard 11.11.
  • Figure 1 is a schematic perspective view of a payment apparatus according to the invention
  • Figure 2 is a schematic perspective view of the underside of the apparatus shown in Figure 1
  • Figure 3 is a block diagram of the electronic circuit fitted to a payment device according to the invention.
  • FIG. 1 there is shown a bank card reader payment apparatus.
  • This device consists of a portable terminal referenced 1 incorporating means for reading payment cards, whether electronic chips and / or magnetic strips.
  • This portable terminal 1 comprises in known manner, at least one slot 2 for inserting an ICC payment card, of the electronic chip type, cooperating with reading means which are not shown.
  • Terminal 1 also includes non-illustrated reading means for magnetic stripe payment cards.
  • the terminal also has a keyboard KB for entering data and a display screen DU.
  • the terminal 1 also conventionally has an electrical supply in the form in particular of a rechargeable accumulator, an electronic control circuit in the form in particular of a printed circuit board on which are notably connected at least one microcontroller and means of transmission / reception of radio frequency messages cooperating with an antenna 5.
  • the payment terminal 1 can also include means for printing a transaction ticket.
  • the terminal may be of the wire type and not include means for transmitting / receiving radio frequency messages.
  • this terminal can be brought to cooperate with a fixed base. Such a base can act, for example, as a battery charger, as a printer, if the latter is not on board the terminal, or even as a connection to the public switched telecommunications network. Whether via a radio-telecommunications network or the public switched telecommunications network, the terminal must access the banking servers to obtain authorizations or even transfer the financial operations carried out.
  • the rear face of the terminal 1 which is shown in FIG. 2 comprises housings protected by a removable cover 6 for plugging in miniature smart cards meeting the GSM 11.11 standard, SAM type smart cards.
  • the electronic circuit of the terminal is schematically composed of a printed circuit board in which are soldered the electronic components necessary for the operation of the terminal and in particular a main microcontroller UC, which can be a microcontroller specially developed for the terminal (ASIC).
  • This microcontroller UC is associated with a non-volatile memory of an EEPROM program and with a memory of RAM data as well as I / O input-output interfaces serving the various electronic components and in particular the notably the radiofrequency transmitter / receiver module RFI, l DU display screen and KB keyboard.
  • the main microcontroller UC is also connected, via an appropriate interface SCI, to different smart card readers, one of which is connected to a micro chip card MIC, the role of which will be detailed below.
  • the microcontroller can thus be connected via the SCI interface, in addition to the MIC card, to a SAM card and to an ICC chip payment card.
  • the integrated circuit plate may also include a secure microcontroller SUC to which the keyboard KB and the graphic display DU are then connected.
  • the security microcontroller SUC is generally present when the terminal must read magnetic strip cards and / or must guarantee the confidentiality of the secret identification code also called PIN code which is entered by the user.
  • the main functions of the safety microcontroller SUC are then to scramble the signals transmitted so as to prohibit the detection of the information entered on the keyboard KB by simple analysis of the signals entering the microcontroller UC.
  • the SUC microcontroller also contains bank secret keys and corresponding secret key encryption algorithms for securely communicate the PIN code on telecommunications networks to bank servers, which have the same keys.
  • the SUC safety microcontroller when present, is directly connected to the main microcontroller via a communication bus.
  • the purpose of the SAM card possibly present in the terminal is to manage specific proprietary applications, such as an electronic purse application.
  • the electronic wallet payment card is then debited or credited directly via the SAM card according to specific and secret mechanisms and algorithms which are the exclusive property of the body managing this application.
  • the terminal 1 and in particular its electronic circuit has only a transparent role, limiting itself to exchanging data and in particular the commands prepared by the SAM card, between the payment card, the keyboard, the display and the SAM card.
  • the micro chip card MIC defining an arithmetic coprocessor is formed mainly by a microprocessor IC, a memory of the ROM type including an operating system of the card, a non-volatile memory of the EEPROM type and a memory RAM type for processing the data to be received from the main microcontroller UC.
  • micro chip card MIC the program memories of the micro chip card MIC.
  • the purpose of these applications, incorporated in the micro chip card MIC, is to relieve the main microcontroller UC in the implementation of algorithms which may require significant computing capacities, in particular during encryption / decryption operations implementing RSA type algorithms.
  • One of the software loaded into the MIC card can be dedicated to calculating public key authentication of the payment card when a public key authentication system of the PKI (Public Key Infrastructure) type of payment cards is implemented. .
  • PKI Public Key Infrastructure
  • This system is based on an asymmetric type encryption method, such as the RSA algorithm thus named after its inventors Rivest, Shamir and Adleman based on modular exponentiation.
  • the principle of such an asymmetric encryption method is to have two keys to encrypt and decrypt.
  • the decryption key cannot be deduced from the encryption key and vice versa.
  • a key is made public (Public Key) while a key is kept confidential, it is the private key.
  • the DDA system therefore consists of using a single certification authority, payment card management organizations (VISA, MASTERCARD, etc.) and banks or financial organizations that issue payment cards to end users.
  • Each of these entities has an asymmetric encryption algorithm and therefore a public key (PCA, PI and PIC respectively) as well as a private key (SCA, SI and SIC respectively).
  • PCA public key
  • PI public key
  • SCA private key
  • SI secret key
  • the terminal To verify whether a card inserted in the terminal is authentic, the terminal requests the card to communicate the PI key certified by the SCA key to it, the terminal with the PCA key is able to verify the authenticity of this signature and deduce the authenticity of the PI key. The terminal then requests the PIC key certified by the SI key. Similarly to the previous step, the terminal having the PI key checks the authenticity of the signature and deduces the authenticity of the PIC. The terminal then only has to check the signature sent to it by the payment card in the form of a number N drawn at random and the certificate corresponds to this number N encrypted using the secret key SIC. The terminal having the PIC key is then able to determine the authenticity of the signature by decrypting the certificate and checking that the result is indeed N.
  • the data supplied by the ICC payment card to the MIC card pass through the microcontroller, the MIC card being responsible for implementing the asymmetric encryption algorithm for each of the aforementioned steps, which are thus grouped together in a single processing.
  • the PCA public key is either entered from the start in the card or introduced later, for example by downloading.
  • the aforementioned cascading arithmetic calculations which the terminal must implement in the case of authentication of the payment card ICC according to the DDA method are deported to the card MIC. This makes it possible to optimize the performance of these calculations, in particular by having integrated circuits with wired logic allowing reduced calculation times.
  • the public key PCA and the algorithms implemented for the DDA method are freely communicated to the terminal manufacturers and are therefore loaded into the MIC card preferably during the manufacture of the latter or during the initialization of the terminal 1.
  • Another possible application which can be easily implemented is the encryption of the PIN code entered by the user and transmitted to the ICC smart card.
  • the PIN code passes through the MIC card which returns it encrypted using the PIC public key and the number N that the card sent to it during its authentication. Only the card knowing N and the secret key SIC is then able to deduce from the message received the PIN code of the user.
  • the terminal For certain applications and in particular for operating magnetic cards, the terminal must receive specific information such as, for example, confidential codes necessary in particular for carrying out secret key encryption operations of the DES (Data Encryption System) type.
  • Magnetic cards require an online authorization request prior to each transaction, which involves sending the user's secret code or PIN code.
  • the encryption of the PIN code is carried out by the secure processor SUC containing a secret key Ks supplied by the bank or the card management body.
  • the PIN password entered by the user is encrypted by the secret key Ks and transmitted by an appropriate telecommunications network to an authorization server which also having the key Ks is able to retrieve the user's PIN and therefore to issue the requested authorization.
  • the loading of the secret key Ks into the secure processor SUC of the terminal 1 is a long and complex operation in particular because of the security requirements. This operation is generally carried out by banks using specialized tools capable of loading data or programs into the terminal's secure microcontroller SUC.
  • the downloading of this key Ks can be carried out more simply by means of the micro chip card MIC.
  • the MIC card has an appropriate program.
  • the course of the program is schematically the following.
  • the MIC card is equipped with a private key SI and a public key PI. These keys are for example the property of the manufacturer of the terminal or of the MIC card.
  • the MIC card connects to the appropriate bank server which also has a private key PI and a public key P2.
  • the MIC card generates a random number M 1 by appropriate means for generating random numbers.
  • This number M1 is encrypted using the public key P2 and sent in encrypted form to the bank server.
  • This server having the S2 key recovers the number Ml.
  • the server in turn generates a number M2 and returns it in encrypted form using the public key PI.
  • the MIC card is then able to use its secret key SI to find M2.
  • the terminal through the MIC card and the server are then the only ones to know the combination Ml and M2, this combination is then able to constitute a secret key TMK which will be communicated to the microcontroller SUC in an encrypted manner, from a key known to the MIC card and the SUC microcontroller.
  • the bank server can then securely transmit the secret key Ks to the microcontroller SUC by encrypting it using a DES type algorithm and the TMK key.
  • the MIC card could encrypt the number
  • the authorization server does not need keys.
  • the communication of the secret key from MI and M2, between the card MIC and the microprocessor SUC can be operated using the key SI which will have been previously loaded in the microprocessor SUC.
  • the present invention relating to the use of at least one micro chip card MIC combined with the central microcontroller UC, relates more particularly to the implementation in a given terminal of additional calculation means, of arithmetic type or other. These means incorporated in the micro chip card MIC are more particularly intended to reinforce the computing capacity of the microcontroller UC equipping the printed circuit board of the terminal. These means are moreover adapted to operate the personalization of the terminal as has been described above.
  • micro chip card MIC as a coprocessor associated with the main microcontroller UC of the terminal provides many advantages and in particular an increased performance compared to a terminal having only a single microcontroller UC because the number of iterations will be more important. In addition, this allows new payment resources and application programs to be made available to all payment terminals with a reading slot for micro-type SAM smart cards: both new terminals and those already on the market. This also ensures greater ease in changing the performance of the terminal (changing the micro chip MIC card is a simpler operation than changing the motherboard UC). On the other hand the overall security of the terminal is reinforced and this because a smart card due to its design is very difficult to penetrate compared to a conventional electronic card.
  • the illustrated embodiment has been given by way of example and is in no way limitative of all of the solutions that can be implemented thanks to the present invention.
  • it can be envisaged to make the MIC card not directly removable by providing an internal housing in the terminal housing and therefore not accessible from the outside.
  • it is possible to envisage welding the MIC card to the printed circuit board.

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Abstract

The invention concerns a card reader (ICC) payment terminal (1) comprising an electronic circuit formed by at least a printed circuit board whereon are connected electronic components and in particular a microcontroller (UC) designed for controlling various peripherals (RFI, KB, DU). The invention is characterised in that said microcontroller (UC) is connected to an associated microprocessor (IC), said microcontroller (UC) using said associated microprocessor (IC) to provide programmes such as arithmetic calculations, said microprocessor (IC) being borne by a support (MIC) with SAM-type micro-smart card format and comprising a connector compatible with the normalised connector of said micro-smart cards to operate the connection to said microcontroller (UC).

Description

TERMINAL ELECTRONIQUE DE PAIEMENT, CARTE A PUCE ADAPTEE A UN TEL TERMINAL ET PROCEDE DE CHARGEMENT D'UNE CLE SECRETE DANS UN TEL TERMINAL ELECTRONIC PAYMENT TERMINAL, CHIP CARD SUITABLE FOR SUCH A TERMINAL AND METHOD FOR LOADING A SECRET KEY IN SUCH A TERMINAL
La présente invention concerne un appareil électronique de paiement lecteur de carte encore appelé terminal de paiement, elle concerne également une carte à puce destiné à être intégrée dans le circuit électronique équipant ledit terminal. La présente invention concerne également un procédé de téléchargement de données confidentielles dans un tel terminal. II existe aujourd'hui de nombreux terminaux de paiement lecteur de carte de paiement qui ont principalement en commun d'avoir un circuit électronique gérant le fonctionnement de l'appareil qui est formé par une plaque circuit imprimé sur laquelle sont soudés de nombreux composants électroniques et notamment des microcontrôleurs. Classiquement un appareil de paiement lecteurs de cartes bancaires se compose d'un terminal généralement portatif avec ou sans fil, fonctionnant seule ou avec une base.The present invention relates to an electronic card reader payment device also called a payment terminal, it also relates to a smart card intended to be integrated in the electronic circuit equipping said terminal. The present invention also relates to a method for downloading confidential data in such a terminal. There are today many payment card reader payment terminals which mainly have in common having an electronic circuit managing the operation of the device which is formed by a printed circuit board on which many electronic components are soldered and including microcontrollers. Conventionally, a payment device for bank card readers consists of a generally portable terminal, wired or wireless, operating alone or with a base.
Les fonctions allouées respectivement à la base et au terminal peuvent varier d'une réalisation à l'autre. La base est généralement reliée à un centre de paiement par le réseau téléphonique commuté et transmet, en réponse aux messages reçus du terminal, des messages à destination des serveurs bancaires. La base sert également de borne de rechargement pour alimenter 1[ accumulateur électrique équipant le terminal. Par ailleurs, la base peut servir à imprimer les tickets de transaction.The functions allocated to the base and the terminal respectively may vary from one embodiment to another. The base is generally connected to a payment center by the switched telephone network and transmits, in response to messages received from the terminal, messages intended for bank servers. The base also serves as a recharging terminal to supply 1 [electric accumulator fitted to the terminal. In addition, the database can be used to print transaction tickets.
Le terminal portatif comporte donc, au moins un lecteur de cartes de paiement, un clavier de saisie de données, un écran d'affichage, une alimentation électrique sous la forme notamment d'un accumulateur rechargeable et un circuit électronique de commande sous la forme d'une carte de circuit imprimé intégrant notamment un microcontrôleur principal comportant un microprocesseur et différentes interfaces d'entrée sortie. Ce microcontrôleur principal a plus particulièrement la charge de faire fonctionner le terminal et notamment les différents périphériques. II est connu par ailleurs d'équiper de tels appareils portatifs d'un ou plusieurs lecteurs de cartes à puce miniatures satisfaisant au standard GSM 11.11, cartes à puces miniatures encore appelées communément cartes SAM (Secure Access Module). Ces cartes SAM ont un contacteur entrées/ sorties (I/O pad) répondant à la norme ISO (Cnet) des cartes à puces. De telles cartes SAM du fait de leur petite taille peuvent être facilement installées sur un appareil électronique portatif et donc en particulier sur un terminal de paiement lecteur de cartes.The portable terminal therefore comprises, at least one payment card reader, a data entry keyboard, a display screen, a power supply in the form in particular of a rechargeable battery and an electronic control circuit in the form of '' a printed circuit board including a microcontroller main with a microprocessor and different input-output interfaces. This main microcontroller is more particularly responsible for operating the terminal and in particular the various peripherals. It is also known to equip such portable devices with one or more miniature smart card readers meeting the GSM 11.11 standard, miniature smart cards also commonly called SAM (Secure Access Module) cards. These SAM cards have an input / output contactor (I / O pad) meeting the ISO standard (Cnet) for smart cards. Because of their small size, such SAM cards can be easily installed on a portable electronic device and therefore in particular on a card reader payment terminal.
L'utilisation de telles cartes SAM dans des terminaux de paiement est aujourd'hui dédiée à l'exécution de tâches spécifiques telle que des opérations d'identification, de vérification de mot de passe, de gestion d'application financières de porte monnaie électronique mettant en œuvre des algorithmes et des données confidentielles que les organismes gestionnaires propriétaires ne souhaitent pas diffuser et donc incorporer directement au circuit électronique du terminal.The use of such SAM cards in payment terminals is today dedicated to the execution of specific tasks such as identification operations, password verification, management of electronic wallet financial application putting implement algorithms and confidential data that the owner management organizations do not wish to disseminate and therefore incorporate directly into the electronic circuit of the terminal.
Ces cartes SAM mises en œuvre par les terminaux portatifs, tels que les terminaux de paiement ou les téléphones mobiles contiennent donc des informations confidentielles et sont délivrées par des opérateurs (bancaires, etc.) à des utilisateurs parfaitement identifiés (commerçants, etc.) à charge pour ces derniers de les introduire dans les terminaux pour pouvoir exécuter sur ces appareils des applications spécifiques tel que le débit/ crédit d'un porte-monnaie électronique.These SAM cards implemented by portable terminals, such as payment terminals or mobile phones therefore contain confidential information and are issued by operators (banking, etc.) to perfectly identified users (merchants, etc.) at instructs the latter to introduce them into the terminals in order to be able to execute on these devices specific applications such as the debit / credit of an electronic purse.
Cartes et terminaux sont donc produits et développés de façon totalement distincte. Le terminal équipé de lecteurs de cartes SAM considère simplement les cartes SAM comme des périphériques et le microcontrôleur du terminal est configuré pour dialoguer avec ces dernières selon des protocoles prédéterminés et pour accomplir des tâches prédéfinies qui se limitent généralement à transférer des données et ou des commande entre ces cartes à puces et la carte de paiement.Cards and terminals are therefore produced and developed in a completely separate manner. The terminal equipped with SAM card readers simply considers SAM cards as peripherals and the the terminal's microcontroller is configured to dialogue with the latter according to predetermined protocols and to accomplish predefined tasks which are generally limited to transferring data and or orders between these smart cards and the payment card.
La présente invention se propose d'utiliser l'infrastructure des terminaux équipés de lecteur(s) de carte SAM pour modifier la conception du circuit électronique des terminaux.The present invention proposes to use the infrastructure of terminals equipped with SAM card reader (s) to modify the design of the electronic circuit of the terminals.
Selon l'invention les tâches normalement réalisées par un unique microprocesseur équipant le terminal sont réparties sur plusieurs microprocesseurs fonctionnant en parallèle, au moins un de ces microprocesseurs étant intégré à un support répondant au format des cartes SAM c'est-à-dire à la norme GSM 11.11.According to the invention, the tasks normally performed by a single microprocessor equipping the terminal are distributed over several microprocessors operating in parallel, at least one of these microprocessors being integrated into a support corresponding to the format of SAM cards, that is to say to the GSM standard 11.11.
On comprendra mieux les buts, aspects et avantages de la présente invention, d'après la description donnée ci-après d'un mode de réalisation de l'invention, présenté à titre d'exemple non limitatif, en se référant aux dessins annexés, dans lesquels : la figure 1 est une vue schématique en perspective d'un appareil de paiement selon l'invention; la figure 2 est une vue schématique en perspective du dessous de l'appareil représenté à la figure 1; la figure 3 est un schéma bloc du circuit électronique équipant un appareil de paiement selon l'invention.The aims, aspects and advantages of the present invention will be better understood from the description given below of an embodiment of the invention, presented by way of non-limiting example, with reference to the accompanying drawings, in which: Figure 1 is a schematic perspective view of a payment apparatus according to the invention; Figure 2 is a schematic perspective view of the underside of the apparatus shown in Figure 1; Figure 3 is a block diagram of the electronic circuit fitted to a payment device according to the invention.
Pour simplifier la description, seules les éléments permettant de comprendre l'invention ont été représentés. Par ailleurs les mêmes éléments portent les mêmes références d'une figure à l'autre.To simplify the description, only the elements making it possible to understand the invention have been shown. Furthermore, the same elements bear the same references from one figure to another.
Sur la figure 1, on a représenté un appareil de paiement lecteur de cartes bancaire. Cet appareil se compose d'un terminal portatif référencé 1 incorporant des moyens de lecture des cartes de paiement quelles soient à puces électroniques et/ ou à pistes magnétiques. Ce terminal portatif 1 comporte de façon connue, au moins une fente 2 d'introduction d'une carte de paiement ICC, du type à puce électronique, coopérant avec des moyens de lecture non figurés. Le terminal 1 comporte également des moyens non figurés de lecture pour cartes de paiement à pistes magnétiques. Le terminal comporte également un clavier KB de saisie de données ainsi qu'un écran d'affichage DU.In Figure 1, there is shown a bank card reader payment apparatus. This device consists of a portable terminal referenced 1 incorporating means for reading payment cards, whether electronic chips and / or magnetic strips. This portable terminal 1 comprises in known manner, at least one slot 2 for inserting an ICC payment card, of the electronic chip type, cooperating with reading means which are not shown. Terminal 1 also includes non-illustrated reading means for magnetic stripe payment cards. The terminal also has a keyboard KB for entering data and a display screen DU.
Le terminal 1 présente également de façon classique une alimentation électrique sous la forme notamment d'un accumulateur rechargeable, un circuit électronique de commande sous la forme notamment d'une carte de circuit imprimé sur laquelle sont notamment connectée au moins un microcontrôleur et des moyens d'émission/ réception de messages radio- fréquence coopérant avec une antenne 5. Bien évidemment cette liste des équipements du terminal 1 n'est pas limitative de la présente invention. Le terminal de paiement 1 peut en outre comporter des moyens d'impression d'un ticket de transaction. De même, le terminal peut être du type à fil et ne pas comporter de moyens d'émission/ réception de messages radiofréquence. De même ce terminal peut être amené à coopérer avec une base fixe. Une telle base peut faire office, par exemple, de chargeur de batterie, d'imprimante, si celle-ci n'est pas embarquée sur le terminal, ou bien encore de connexion au réseau de télécommunication public commuté. Que se soit par un réseau de radio-télécommunication ou par le réseau de télécommunication public commuté, le terminal doit accéder aux serveurs bancaires pour obtenir des autorisations ou bien encore transférer les opérations financières effectuées.The terminal 1 also conventionally has an electrical supply in the form in particular of a rechargeable accumulator, an electronic control circuit in the form in particular of a printed circuit board on which are notably connected at least one microcontroller and means of transmission / reception of radio frequency messages cooperating with an antenna 5. Obviously this list of equipment of terminal 1 is not limiting of the present invention. The payment terminal 1 can also include means for printing a transaction ticket. Likewise, the terminal may be of the wire type and not include means for transmitting / receiving radio frequency messages. Likewise, this terminal can be brought to cooperate with a fixed base. Such a base can act, for example, as a battery charger, as a printer, if the latter is not on board the terminal, or even as a connection to the public switched telecommunications network. Whether via a radio-telecommunications network or the public switched telecommunications network, the terminal must access the banking servers to obtain authorizations or even transfer the financial operations carried out.
La face arrière du terminal 1 qui est représentée à la figure 2 comporte des logements protégés par un capot amovible 6 pour enficher des cartes à puce miniatures satisfaisant au standard GSM 11.11, cartes à puce de type SAM.The rear face of the terminal 1 which is shown in FIG. 2 comprises housings protected by a removable cover 6 for plugging in miniature smart cards meeting the GSM 11.11 standard, SAM type smart cards.
En se reportant à la figure 3, le circuit électronique du terminal se compose schématiquement d'une plaque circuit imprimé où sont soudés les composants électroniques nécessaires au fonctionnement du terminal et notamment un microcontrôleur principal UC, qui peut être un microcontrôleur spécialement développé pour le terminal (ASIC). Ce microcontrôleur UC est associé à une mémoire non volatile de programme EEPROM et à une mémoire de donnée RAM ainsi qu'à des interfaces I/O entrée-sortie desservant les différents composants électroniques et notamment le notamment le module émetteur/ récepteur radiofréquence RFI, l'écran d'affichage DU et le clavier KB. Le microcontrôleur principal UC est également connecté par l'intermédiaire d'une interface appropriée SCI, à différents lecteurs de carte à puce dont l'un est connecté à une micro carte à puce MIC dont le rôle sera détaillée ci-après. Le microcontrôleur peut ainsi se trouver connecté par l'intermédiaire de l'interface SCI, en plus de la carte MIC, à une carte SAM et à une carte de paiement à puce ICC. La plaque de circuit intégré peut comporter également un microcontrôleur sécurisé SUC auquel sont alors connectés le clavier KB et l'afficheur graphique DU.Referring to FIG. 3, the electronic circuit of the terminal is schematically composed of a printed circuit board in which are soldered the electronic components necessary for the operation of the terminal and in particular a main microcontroller UC, which can be a microcontroller specially developed for the terminal (ASIC). This microcontroller UC is associated with a non-volatile memory of an EEPROM program and with a memory of RAM data as well as I / O input-output interfaces serving the various electronic components and in particular the notably the radiofrequency transmitter / receiver module RFI, l DU display screen and KB keyboard. The main microcontroller UC is also connected, via an appropriate interface SCI, to different smart card readers, one of which is connected to a micro chip card MIC, the role of which will be detailed below. The microcontroller can thus be connected via the SCI interface, in addition to the MIC card, to a SAM card and to an ICC chip payment card. The integrated circuit plate may also include a secure microcontroller SUC to which the keyboard KB and the graphic display DU are then connected.
Le microcontrôleur de sécurité SUC est généralement présent lorsque le terminal doit lire des cartes à pistes magnétiques et/ ou doit garantir la confidentialité du code secret d'identification encore appelé PIN code qui est saisi par l'utilisateur. Le microcontrôleur de sécurité SUC a alors pour principales fonctions de brouiller les signaux transmis de façon à interdire la détection des informations saisies sur le clavier KB par simple analyse des signaux entrant dans le microcontrôleur UC. Le microcontrôleur SUC contient également des clés secrètes bancaires et des algorithmes de chiffrement à clé secrète correspondants pour communiquer de façon sécurisée le PIN code sur les réseaux de télécommunication à destination des serveurs bancaires, lesquels disposent des mêmes clés. Le microcontrôleur de sécurité SUC lorsqu'il est présent, se trouve directement connecté au microcontrôleur principal par l'intermédiaire d'un bus de communication.The security microcontroller SUC is generally present when the terminal must read magnetic strip cards and / or must guarantee the confidentiality of the secret identification code also called PIN code which is entered by the user. The main functions of the safety microcontroller SUC are then to scramble the signals transmitted so as to prohibit the detection of the information entered on the keyboard KB by simple analysis of the signals entering the microcontroller UC. The SUC microcontroller also contains bank secret keys and corresponding secret key encryption algorithms for securely communicate the PIN code on telecommunications networks to bank servers, which have the same keys. The SUC safety microcontroller, when present, is directly connected to the main microcontroller via a communication bus.
La carte SAM éventuellement présente dans le terminal a pour objet de gérer des applications spécifiques propriétaires, telle qu'une application porte-monnaie électronique. La carte de paiement porte monnaie électronique se trouve alors débitée ou créditée directement par l'intermédiaire de la carte SAM suivant des mécanismes et algorithmes spécifiques et secrets qui sont la propriété exclusive de l'organisme gestionnaire de cette application. Dans ce cas le terminal 1 et notamment son circuit électronique, n'a qu'un rôle transparent, se limitant à échanger des données et notamment les commandes élaborées par la carte SAM, entre la carte de paiement, le clavier, l'afficheur et la carte SAM.The purpose of the SAM card possibly present in the terminal is to manage specific proprietary applications, such as an electronic purse application. The electronic wallet payment card is then debited or credited directly via the SAM card according to specific and secret mechanisms and algorithms which are the exclusive property of the body managing this application. In this case the terminal 1 and in particular its electronic circuit, has only a transparent role, limiting itself to exchanging data and in particular the commands prepared by the SAM card, between the payment card, the keyboard, the display and the SAM card.
La micro carte à puce MIC définissant un coprocesseur arithmétique est formée principalement d'un microprocesseur IC, d'une mémoire de type ROM incluant un système d'exploitation de la carte, d'une mémoire non volatile de type EEPROM et d'une mémoire de type RAM destinée au traitement des données à recevoir en provenance du microcontrôleur principal UC.The micro chip card MIC defining an arithmetic coprocessor is formed mainly by a microprocessor IC, a memory of the ROM type including an operating system of the card, a non-volatile memory of the EEPROM type and a memory RAM type for processing the data to be received from the main microcontroller UC.
Selon l'invention, plusieurs applications logiciel sont chargées dans les mémoires programmes de la micro carte à puce MIC. Ces applications incorporées dans la micro carte à puce MIC, ont pour objet de soulager le microcontrôleur principal UC dans la mise en œuvre d'algorithmes pouvant nécessiter des capacités de calcul important, en particulier lors d'opérations de chiffrement/ déchiffrement mettant en œuvre des algorithmes de type RSA. Un des logiciels chargés dans la carte MIC peut être dédié au calcul d'authentification à clé publique de la carte de paiement lorsqu'un système d'authentification à clé publique de type PKI (Public Key Infrastructure) des cartes de paiement est mis en œuvre. Un tel système est ainsi connu sous le nom de DDA pour DynamicAccording to the invention, several software applications are loaded into the program memories of the micro chip card MIC. The purpose of these applications, incorporated in the micro chip card MIC, is to relieve the main microcontroller UC in the implementation of algorithms which may require significant computing capacities, in particular during encryption / decryption operations implementing RSA type algorithms. One of the software loaded into the MIC card can be dedicated to calculating public key authentication of the payment card when a public key authentication system of the PKI (Public Key Infrastructure) type of payment cards is implemented. . Such a system is thus known under the name of DDA for Dynamic
Data Authentication. Ce système est basé sur une méthode de chiffrement de type asymétrique, comme par exemple l'algorithme RSA ainsi nommé d'après ses inventeurs Rivest, Shamir et Adleman basé sur l'exponentiation modulaire. Le principe d'une telle méthode de chiffrement asymétrique est de disposer de deux clés pour chiffrer et déchiffrer. La clé de déchiffrement ne peut pas être déduite de la clé de chiffrement et inversement. Une clé est rendue publique (Public Key) tandis qu'une clé est gardée confidentielle, c'est la clé privée (Private Key). Le système DDA consiste donc à utiliser une unique autorité de certification, des organismes de gestion des cartes de paiement (VISA, MASTERCARD, etc.) et des banques ou organismes financiers qui délivrent les cartes de paiement aux utilisateurs finaux. Chacune de ces entités dispose d'un algorithme de chiffrement asymétrique et donc d'une clé publique (Public Key) respectivement PCA, PI et PIC ainsi qu'une clé privée (Private Key) respectivement SCA, SI et SIC. Chaque carte de paiement authentique reçoit alors deux certificats d'authentification, les clés publiques PI et PIC de l'organisme de gestion et de la banque correspondants certifiées respectivement avec la clé privée SCA de l'autorité de certification et avec la clé privée de l'organisme de gestion SI, ainsi que la clé secrète de la banque émettrice SIC.Data Authentication. This system is based on an asymmetric type encryption method, such as the RSA algorithm thus named after its inventors Rivest, Shamir and Adleman based on modular exponentiation. The principle of such an asymmetric encryption method is to have two keys to encrypt and decrypt. The decryption key cannot be deduced from the encryption key and vice versa. A key is made public (Public Key) while a key is kept confidential, it is the private key. The DDA system therefore consists of using a single certification authority, payment card management organizations (VISA, MASTERCARD, etc.) and banks or financial organizations that issue payment cards to end users. Each of these entities has an asymmetric encryption algorithm and therefore a public key (PCA, PI and PIC respectively) as well as a private key (SCA, SI and SIC respectively). Each authentic payment card then receives two authentication certificates, the public keys PI and PIC of the corresponding management organization and bank, respectively certified with the private key SCA of the certification authority and with the private key of the management body SI, as well as the secret key of the issuing bank SIC.
Pour vérifier si une carte insérée dans le terminal est authentique le terminal demande à la carte de lui communiquer la clé PI certifiée par la clé SCA, le terminal disposant de la clé PCA est à même de vérifier l'authenticité de cette signature et d'en déduire l'authenticité de la clé PI. Le terminal demande ensuite la clé PIC certifiée par la clé SI. De façon similaire à l'étape précédente le terminal disposant de la clé PI vérifie l'authenticité de la signature et en déduit l'authenticité de la PIC. Le terminal n'a plus alors qu'à vérifier la signature que lui a adressée la carte de paiement sous la forme d'un nombre N tiré de façon aléatoire et du certificat correspond à ce nombre N chiffré en utilisant la clé sécrète SIC. Le terminal disposant de la clé PIC est alors à même de déterminer l'authenticité de la signature en déchiffrant le certificat et en vérifiant que le résultat est bien N.To verify whether a card inserted in the terminal is authentic, the terminal requests the card to communicate the PI key certified by the SCA key to it, the terminal with the PCA key is able to verify the authenticity of this signature and deduce the authenticity of the PI key. The terminal then requests the PIC key certified by the SI key. Similarly to the previous step, the terminal having the PI key checks the authenticity of the signature and deduces the authenticity of the PIC. The terminal then only has to check the signature sent to it by the payment card in the form of a number N drawn at random and the certificate corresponds to this number N encrypted using the secret key SIC. The terminal having the PIC key is then able to determine the authenticity of the signature by decrypting the certificate and checking that the result is indeed N.
Les données fournies par la carte de paiement ICC à la carte MIC transitent par le microcontrôleur, la carte MIC se chargeant de mettre en œuvre l'algorithme de chiffrement asymétrique pour chacune des étapes précitées, lesquelles sont ainsi regroupées en un seul traitement. La clé publique PCA est soit introduite dès le départ dans la carte soit introduite ultérieurement par exemple par téléchargement.The data supplied by the ICC payment card to the MIC card pass through the microcontroller, the MIC card being responsible for implementing the asymmetric encryption algorithm for each of the aforementioned steps, which are thus grouped together in a single processing. The PCA public key is either entered from the start in the card or introduced later, for example by downloading.
Conformément à l'invention, les calculs arithmétiques en cascade précités que doit mettre en œuvre le terminal dans le cas d'une authentification de la carte de paiement ICC selon la méthode DDA, se trouvent déportés dans la carte MIC. Cela permet d'optimiser la réalisation de ces calculs notamment en disposant de circuits intégrés à logique câblée permettant des temps de calcul réduits.According to the invention, the aforementioned cascading arithmetic calculations which the terminal must implement in the case of authentication of the payment card ICC according to the DDA method, are deported to the card MIC. This makes it possible to optimize the performance of these calculations, in particular by having integrated circuits with wired logic allowing reduced calculation times.
La clé publique PCA et les algorithmes mis en œuvre pour la méthode DDA sont librement communiqués aux fabricants de terminaux et sont donc chargés dans la carte MIC de préférence lors de la fabrication de cette dernière ou lors de l'initialisation du terminal 1.The public key PCA and the algorithms implemented for the DDA method are freely communicated to the terminal manufacturers and are therefore loaded into the MIC card preferably during the manufacture of the latter or during the initialization of the terminal 1.
Une autre application possible qui peut être mise facilement en œuvre est le chiffrement du PIN code saisi par l'utilisateur et transmis à la carte à puce ICC. Pour accroître la sécurité, il est souhaitable de transférer le PIN code à la carte non pas en claire mais sous forme chiffrée. Dans ce cas, le PIN code transite par la carte MIC qui le renvoie chiffré en utilisant la clé publique PIC et le nombre N que lui a envoyé la carte lors de son authentification. Seule la carte connaissant N et la clé secrète SIC est alors à même de déduire du message reçu le PIN code de l'utilisateur.Another possible application which can be easily implemented is the encryption of the PIN code entered by the user and transmitted to the ICC smart card. To increase security, it is desirable to transfer the PIN code to the card not in plain text but in the form encrypted. In this case, the PIN code passes through the MIC card which returns it encrypted using the PIC public key and the number N that the card sent to it during its authentication. Only the card knowing N and the secret key SIC is then able to deduce from the message received the PIN code of the user.
Une autre application qui peut être mise facilement en œuvre est la personnalisation du terminal. Pour certaines applications et en particulier pour opérer les cartes magnétiques, le terminal doit recevoir des informations particulières telles que par exemple des codes confidentiels nécessaires notamment pour réaliser des opérations de chiffrement à clé secrète de type DES (Data Encryption System). En effet, les cartes magnétiques nécessitent d'opérer préalablement à chaque transaction une demande d'autorisation en ligne qui suppose l'envoi du code secret de l'utilisateur ou PIN code. Le chiffrement du PIN code est opéré par le processeur sécurisé SUC contenant une clé secrète Ks fournit par la banque ou l'organisme de gestion des cartes. Le mot de passe PIN saisi par l'utilisateur est chiffré par la clé secrète Ks et transmis par un réseau de télécommunication approprié à un serveur d'autorisation lequel disposant également de la clé Ks est à même de retrouver le PIN de l'utilisateur et donc de délivrer l'autorisation demandée.Another application that can be easily implemented is the personalization of the terminal. For certain applications and in particular for operating magnetic cards, the terminal must receive specific information such as, for example, confidential codes necessary in particular for carrying out secret key encryption operations of the DES (Data Encryption System) type. Magnetic cards require an online authorization request prior to each transaction, which involves sending the user's secret code or PIN code. The encryption of the PIN code is carried out by the secure processor SUC containing a secret key Ks supplied by the bank or the card management body. The PIN password entered by the user is encrypted by the secret key Ks and transmitted by an appropriate telecommunications network to an authorization server which also having the key Ks is able to retrieve the user's PIN and therefore to issue the requested authorization.
Le chargement de la clé secrète Ks dans le processeur sécurisé SUC du terminal 1, est une opération longue et complexe notamment du fait des exigences en matière de sécurité. Cette opération est généralement faite par les banques à partir d'outils spécialisés aptes à charger des données ou des programmes dans le microcontrôleur sécurisé SUC du terminal.The loading of the secret key Ks into the secure processor SUC of the terminal 1 is a long and complex operation in particular because of the security requirements. This operation is generally carried out by banks using specialized tools capable of loading data or programs into the terminal's secure microcontroller SUC.
Le téléchargement de cette clé Ks peut être opérée plus simplement par l'intermédiaire de la micro carte à puce MIC. Pour ce faire, la carte MIC est munie d'un programme approprié. Le déroulement du programme est le schématiquement le suivant. La carte MIC est dotée lors de sa conception d'une clé privée SI et d'une clé publique PI. Ces clés sont par exemple la propriété du fabricant du terminal ou de la carte MIC. La carte MIC se connecte au serveur bancaire approprié lequel dispose également d'une clé privée PI et d'une clé publique P2. La carte MIC génère un nombre aléatoire M 1 par des moyens appropriés de génération de nombres aléatoires. Ce nombre Ml est chiffré au moyen de la clé publique P2 et envoyé sous forme chiffrée au serveur bancaire. Ce serveur disposant de la clé S2 récupère le nombre Ml. Le serveur génère à son tour un nombre M2 et le renvoie sous forme chiffrée au moyen de la clé publique PI. La carte MIC est alors à même en utilisant sa clé secrète SI de retrouver M2. Le terminal à travers la carte MIC et le serveur sont alors les seuls à connaître la combinaison Ml et M2, cette combinaison est alors à-même de constituer une clé secrète TMK qui va être communiqué au microcontrôleur SUC de façon chiffrée, à partir d'une clé connue de la carte MIC et du microcontrôleur SUC. Le serveur bancaire peut alors transmettre de façon sécurisée la clé secrète Ks au microcontrôleur SUC en la chiffrant au moyen d'un algorithme de type DES et de la clé TMK. En variante de réalisation, la carte MIC pourrait chiffrer le nombreThe downloading of this key Ks can be carried out more simply by means of the micro chip card MIC. To do this, the MIC card has an appropriate program. The course of the program is schematically the following. During its design, the MIC card is equipped with a private key SI and a public key PI. These keys are for example the property of the manufacturer of the terminal or of the MIC card. The MIC card connects to the appropriate bank server which also has a private key PI and a public key P2. The MIC card generates a random number M 1 by appropriate means for generating random numbers. This number M1 is encrypted using the public key P2 and sent in encrypted form to the bank server. This server having the S2 key recovers the number Ml. The server in turn generates a number M2 and returns it in encrypted form using the public key PI. The MIC card is then able to use its secret key SI to find M2. The terminal through the MIC card and the server are then the only ones to know the combination Ml and M2, this combination is then able to constitute a secret key TMK which will be communicated to the microcontroller SUC in an encrypted manner, from a key known to the MIC card and the SUC microcontroller. The bank server can then securely transmit the secret key Ks to the microcontroller SUC by encrypting it using a DES type algorithm and the TMK key. As an alternative embodiment, the MIC card could encrypt the number
M 1 en utilisant sa clé privée S 1 , le serveur bancaire étant alors à même de déchiffrer Ml, puisqu'il dispose de la clé publique PI. Dans cette variante, le serveur d'autorisation n'a pas besoin de clés.M 1 using his private key S 1, the bank server then being able to decrypt Ml, since he has the public key PI. In this variant, the authorization server does not need keys.
En variante de réalisation également, il est envisageable de prévoir une étape initiale d'authentification lors de la connexion du terminal au serveur bancaire pour téléchargement de clé secrète.Also in an alternative embodiment, it is possible to envisage an initial authentication step when connecting the terminal to the bank server for downloading a secret key.
Cette possibilité de télécharger à distance des clés secrètes de façon parfaitement fiable et sécurisée permet de changer régulièrement dans le temps la clé Ks utilisée par le microcontrôleur SUC pour transmettre les PIN codes, ce qui offre une plus grande sécurité. La communication de la clé secrète issue de Ml et M2, entre le carte MIC et le microprocesseur SUC peut être opéré en utilisant la clé S I qui aura été préalablement chargée dans le microprocesseur SUC. La présente invention relative l'utilisation d'au moins une micro carte à puce MIC combinée au microcontrôleur central UC, concerne plus particulièrement la mise en œuvre dans un terminal donné de moyens de calcul additionnels, de type arithmétiques ou autre. Ces moyens incorporés dans la micro carte à puce MIC sont plus particulièrement destinés à renforcer la capacité de calcul du microcontrôleur UC équipant la plaque circuit imprimé du terminal. Ces moyens sont par ailleurs adaptés pour opérer la personnalisation du terminal comme cela a été décrit ci-dessus.This possibility to download secret keys remotely in a perfectly reliable and secure manner allows the Ks key used by the SUC microcontroller to transmit PIN codes to be changed regularly over time, which provides greater security. The communication of the secret key from MI and M2, between the card MIC and the microprocessor SUC can be operated using the key SI which will have been previously loaded in the microprocessor SUC. The present invention relating to the use of at least one micro chip card MIC combined with the central microcontroller UC, relates more particularly to the implementation in a given terminal of additional calculation means, of arithmetic type or other. These means incorporated in the micro chip card MIC are more particularly intended to reinforce the computing capacity of the microcontroller UC equipping the printed circuit board of the terminal. These means are moreover adapted to operate the personalization of the terminal as has been described above.
L'utilisation de la carte micro carte à puce MIC comme coprocesseur associé au microcontôleur principal UC du terminal procure de nombreux avantages et en particulier une performance accrue par rapport à un terminal ne disposant que d'un unique microcontrôleur UC car le nombre d'itérations sera plus important. De plus, cela permet de faire bénéficier de nouvelles ressources de calcul et de programmes applicatifs tous les terminaux de paiement disposant d'emplacement de lecture pour micro carte à puce de type SAM : aussi bien les nouveaux terminaux que ceux déjà commercialisés. Cela permet également d'assurer une plus grande facilité pour faire évoluer les performances du terminal (changer la micro carte à puce MIC est une opération plus simple que changer la carte mère UC). D'autre part la sécurité globale du terminal est renforcée et ce du fait qu'une carte à puce de part sa conception est très difficilement pénétrable comparée à une carte électronique classique.The use of the micro chip card MIC as a coprocessor associated with the main microcontroller UC of the terminal provides many advantages and in particular an increased performance compared to a terminal having only a single microcontroller UC because the number of iterations will be more important. In addition, this allows new payment resources and application programs to be made available to all payment terminals with a reading slot for micro-type SAM smart cards: both new terminals and those already on the market. This also ensures greater ease in changing the performance of the terminal (changing the micro chip MIC card is a simpler operation than changing the motherboard UC). On the other hand the overall security of the terminal is reinforced and this because a smart card due to its design is very difficult to penetrate compared to a conventional electronic card.
Bien évidemment, le mode de réalisation illustré n'a été donné qu'à titre d'exemple et n'est absolument pas limitatif de l'ensemble des solutions pouvant être mise en œuvre grâce à la présente invention. En particulier, il peut être envisagé de rendre la carte MIC non directement démontable en prévoyant un logement interne au boîtier du terminal et donc non accessible depuis l'extérieur. De même, il est possible d'envisager le soudage de la carte MIC sur la plaque de circuit imprimé. Obviously, the illustrated embodiment has been given by way of example and is in no way limitative of all of the solutions that can be implemented thanks to the present invention. In particular, it can be envisaged to make the MIC card not directly removable by providing an internal housing in the terminal housing and therefore not accessible from the outside. Likewise, it is possible to envisage welding the MIC card to the printed circuit board.

Claims

REVENDICATIONS
[1] Terminal de paiement (1) lecteur de carte (ICC) comportant un circuit électronique formé d'au moins une plaque circuit imprimé sur laquelle sont connectés des composants électroniques et notamment un microcontrôleur (UC) destiné à commander différents périphériques (RFI, KB, DU) caractérisé en ce que ledit microcontrôleur (UC) est connecté à un microprocesseur associé (IC), ledit microcontrôleur (UC) utilisant ledit microprocesseur associé (IC) pour réaliser des programmes tels que des calculs arithmétiques, ledit microprocesseur (IC) étant porté par un support (MIC) au format d'une carte à puce et comportant un connecteur compatible avec celui standardisé desdites cartes à puce pour opérer la connexion audit microcontrôleur (UC).[1] Payment terminal (1) card reader (ICC) comprising an electronic circuit formed by at least one printed circuit board to which electronic components are connected and in particular a microcontroller (UC) intended to control different peripherals (RFI, KB, DU) characterized in that said microcontroller (UC) is connected to an associated microprocessor (IC), said microcontroller (UC) using said associated microprocessor (IC) to carry out programs such as arithmetic calculations, said microprocessor (IC) being carried by a support (MIC) in the format of a smart card and comprising a connector compatible with the standardized one of said smart cards to operate the connection to said microcontroller (UC).
[2] Terminal de paiement (1) selon la revendication 1, caractérisé en que ledit support (MIC) dudit microprocesseur (IC) est au format des micro cartes à puce de type SAM et comporte un connecteur compatible avec celui standardisé desdites micro cartes à puce.[2] Payment terminal (1) according to claim 1, characterized in that said support (MIC) of said microprocessor (IC) is in the format of SAM type micro smart cards and includes a connector compatible with the standardized one of said micro smart cards. chip.
[3] Terminal de paiement (1) selon l'une quelconque des revendications 1 à 2, caractérisé en ce que ledit microprocesseur (IC) incorpore des circuits intégrés à logique câblée permettant des temps de calcul réduits.[3] Payment terminal (1) according to any one of claims 1 to 2, characterized in that said microprocessor (IC) incorporates integrated circuits with hardwired logic allowing reduced calculation times.
[4] Terminal de paiement (1) selon l'une quelconque des revendications 1 à 3, caractérisé en ce que ledit microprocesseur est formé par le microprocesseur (IC) qui se trouve être incorporé dans une micro carte à puce (MIC) . [4] Payment terminal (1) according to any one of claims 1 to 3, characterized in that said microprocessor is formed by the microprocessor (IC) which happens to be incorporated in a micro chip card (MIC).
[5] Terminal de paiement (1) selon l'une quelconque des revendications 1 à 4, caractérisé en ce que ledit microprocesseur (IC) est adapté pour opérer l' authentification des cartes de paiement à puce (ICC) à partir d'un système de type PKI à clé(s) publique(s) et privée(s).[5] Payment terminal (1) according to any one of claims 1 to 4, characterized in that said microprocessor (IC) is adapted to carry out the authentication of chip payment cards (ICC) from a PKI type system with public and private key(s).
[6] Terminal de paiement (1) selon la revendication 5, caractérisé en ce que ledit microprocesseur (IC) opère l'authentification des cartes de paiement à puce (ICC) à partir de clés publiques (PCA, PI, PIC) et d'algorithmes de chiffrement dissymétriques de type RSA connus.[6] Payment terminal (1) according to claim 5, characterized in that said microprocessor (IC) carries out the authentication of smart payment cards (ICC) based on public keys (PCA, PI, PIC) and d known asymmetric RSA type encryption algorithms.
[7] Terminal de paiement (1) selon l'une quelconque des revendications 1 à 6, caractérisé en ce que le terminal coopère avec des moyens télécommunication et d'accès à un serveur d'autorisation à distance et en ce que de ledit microprocesseur (IC) est adapté pour opérer le téléchargement d'une clé secrète (Ks) destinée à chiffrer les communications entre ledit terminal (1) et ledit serveur.[7] Payment terminal (1) according to any one of claims 1 to 6, characterized in that the terminal cooperates with telecommunications means and access to a remote authorization server and in that said microprocessor (IC) is adapted to download a secret key (Ks) intended to encrypt communications between said terminal (1) and said server.
[8] Terminal de paiement (1) selon la revendication 7, caractérisé en ce que le terminal comporte un microcontrôleur sécurisé (SUC) destiné à chiffrer les nombres formant le code secret de l'utilisateur de la carte et saisi sur un clavier (KB) approprié dudit terminal 1, ledit microcontrôleur chiffrant ce code secret au moyen d'un algorithme de chiffrement symétrique de type DES en utilisant ladite clé secrète (Ks).[8] Payment terminal (1) according to claim 7, characterized in that the terminal comprises a secure microcontroller (SUC) intended to encrypt the numbers forming the secret code of the card user and entered on a keyboard (KB ) appropriate to said terminal 1, said microcontroller encrypting this secret code by means of a DES type symmetric encryption algorithm using said secret key (Ks).
[9] Terminal de paiement (1) selon la revendication 8, caractérisé en ce que le microcontrôleur sécurisé (SUC) et ledit microprocesseur (IC) disposent d'une même clé secrète interne (SI) leur permettant d'échanger des données chiffrées au moyen d'un algorithme de chiffrement symétrique de type DES en utilisant ladite clé secrète interne (SI). [9] Payment terminal (1) according to claim 8, characterized in that the secure microcontroller (SUC) and said microprocessor (IC) have the same internal secret key (SI) allowing them to exchange encrypted data at means of a DES type symmetric encryption algorithm using said internal secret key (SI).
[10] Terminal de paiement (1) selon l'une quelconque des revendications 7 à 9, caractérisé en ce que ledit microcontrôleur (UC) et ledit microprocesseur (IC) sont adaptées pour opérer périodiquement le téléchargement de clés secrètes (Ks).[10] Payment terminal (1) according to any one of claims 7 to 9, characterized in that said microcontroller (UC) and said microprocessor (IC) are adapted to periodically download secret keys (Ks).
[11] Carte à puce (MIC) destinée à coopérer avec un terminal de paiement (1) conforme à l'une quelconque des revendications 1 à 10, caractérisée en ce qu'elle comporte un microprocesseur (IC) comportant des circuits intégrés à logique câblés adaptés pour opérer le téléchargement de clé secrète (Ks) .[11] Smart card (MIC) intended to cooperate with a payment terminal (1) according to any one of claims 1 to 10, characterized in that it comprises a microprocessor (IC) comprising integrated logic circuits cables suitable for downloading the secret key (Ks).
[12] Carte à puce (MIC) destinée à coopérer avec un terminal de paiement (1) conforme à l'une quelconque des revendications 1 à 10, caractérisée en ce qu'elle comporte un microprocesseur (IC) comportant des circuits intégrés à logique câblés adaptés pour opérer l'authentification des cartes de paiement à puce (ICC) à partir d'un système de type PKI à clé(s) publique(s) et privée(s).[12] Smart card (MIC) intended to cooperate with a payment terminal (1) according to any one of claims 1 to 10, characterized in that it comprises a microprocessor (IC) comprising integrated logic circuits wired adapted to carry out the authentication of smart payment cards (ICC) from a PKI type system with public and private key(s).
[13] Carte à puce (MIC) selon la revendication 12 caractérisé en ce que ledit microprocesseur (IC) opère l'authentification des cartes de paiement à puce (ICC) à partir de clés publiques (PCA, PI, PIC) et d'algorithmes de chiffrement dissymétriques de type RSA connus.[13] Smart card (MIC) according to claim 12 characterized in that said microprocessor (IC) operates the authentication of smart payment cards (ICC) from public keys (PCA, PI, PIC) and known asymmetric RSA type encryption algorithms.
[14] Procédé de chargement d'une clé secrète destinée à être utilisée dans un procédé de chiffrement symétrique de type DES mettant en œuvre un terminal de paiement (1) conforme à l'une quelconque des revendications 7 à 10 et un serveur d'autorisation, caractérisé en ce que ledit microprocesseur (IC) et ledit serveur définissent lors d'une première étape une première clé secrète (TMK) et que lors d'une seconde étape ledit serveur communique de façon chiffrée une seconde clé secrète (Ks), ladite seconde clé étant chiffrée au moyen d'un algorithme de chiffrement symétrique de type DES en utilisant ladite première clé secrète (TMK).[14] Method for loading a secret key intended to be used in a symmetric encryption method of the DES type implementing a payment terminal (1) according to any one of claims 7 to 10 and a server. authorization, characterized in that said microprocessor (IC) and said server define during a first step a first secret key (TMK) and that during a second step said server communicates in an encrypted manner a second secret key (Ks), said second key being encrypted by means of a DES type symmetric encryption algorithm using said first secret key (TMK).
[15] Procédé de chargement d'une clé secrète selon la revendication 14, caractérisé en ce que la première clé secrète (TMK) est élaborée au moyen d'un algorithme de chiffrement asymétrique de type RSA en utilisant une clé privée (SI) et une clé publique (PI) initialement implémentêes dans ledit microprocesseur (IC).[15] Method for loading a secret key according to claim 14, characterized in that the first secret key (TMK) is produced by means of an asymmetric encryption algorithm of the RSA type using a private key (SI) and a public key (PI) initially implemented in said microprocessor (IC).
[16] Procédé de chargement d'une clé secrète selon la revendication 14, caractérisé en ce que la première clé secrète (TMK) est élaborée au moyen d'un algorithme de chiffrement asymétrique de type RSA en utilisant une première clé privée (SI) et une première clé publique (PI) implémentêes dans ledit microprocesseur (IC) et en utilisant une seconde clé privée (S2) et une seconde clé publique (P2) implémentêes dans ledit serveur d'autorisation.[16] Method for loading a secret key according to claim 14, characterized in that the first secret key (TMK) is produced by means of an asymmetric encryption algorithm of the RSA type using a first private key (SI) and a first public key (PI) implemented in said microprocessor (IC) and using a second private key (S2) and a second public key (P2) implemented in said authorization server.
[17] Procédé de chargement d'une clé secrète selon l'une quelconque des revendications 14 à 16, caractérisé en ce que la première clé secrète (TMK) est formée à partir de deux nombres aléatoires (M1,M2) respectivement générés par dans ledit microprocesseur (IC) et par ledit serveur d'autorisation. [17] Method for loading a secret key according to any one of claims 14 to 16, characterized in that the first secret key (TMK) is formed from two random numbers (M1, M2) respectively generated by in said microprocessor (IC) and by said authorization server.
PCT/FR2002/001766 2001-05-31 2002-05-27 Electronic payment terminal, smart card adapted to such a terminal et method for loading a secret key in such a terminal WO2002097747A1 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
US10/479,647 US7971788B2 (en) 2001-05-31 2002-05-27 Electronic payment terminal, smart card adapted to such a terminal and method for loading a secret key in such a terminal
DE60214539T DE60214539T2 (en) 2001-05-31 2002-05-27 ELECTRONIC PAYMENT APPARATUS, CHIP CARD FITTED TO SUCH A DEVICE, AND METHOD FOR LOADING A SECRET KEY IN SUCH A FINISHING DEVICE
CA002448301A CA2448301C (en) 2001-05-31 2002-05-27 Electronic payment terminal, smart card adapted to such a terminal and method for loading a secret key in such a terminal
EP02740813A EP1390921B1 (en) 2001-05-31 2002-05-27 Electronic payment terminal, smart card adapted to such a terminal et method for loading a secret key in such a terminal
ZA2003/09305A ZA200309305B (en) 2001-05-31 2003-11-28 Electronic payment terminal smart card adapted to such a terminal and method for loading a secret key in such a terminal
US13/071,672 US8690060B2 (en) 2001-05-31 2011-03-25 Electronic payment terminal

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FR01/07204 2001-05-31
FR0107204A FR2825495B1 (en) 2001-05-31 2001-05-31 ELECTRONIC PAYMENT TERMINAL, CHIP CARD SUITABLE FOR SUCH A TERMINAL AND METHOD FOR LOADING A SECRET KEY INTO SUCH A TERMINAL

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US13/071,672 Continuation US8690060B2 (en) 2001-05-31 2011-03-25 Electronic payment terminal

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CA2448301A1 (en) 2002-12-05
ATE338992T1 (en) 2006-09-15
US20040236693A1 (en) 2004-11-25
FR2825495A1 (en) 2002-12-06
ES2272728T3 (en) 2007-05-01
CA2448301C (en) 2008-04-08
US20110226855A1 (en) 2011-09-22
EP1390921B1 (en) 2006-09-06
ZA200309305B (en) 2005-09-28
EP1390921A1 (en) 2004-02-25
DE60214539T2 (en) 2007-05-31
DE60214539D1 (en) 2006-10-19
US8690060B2 (en) 2014-04-08
US7971788B2 (en) 2011-07-05

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